Sentences with phrase «long life ratings»

Not exact matches

Canadians are living longer — life expectancy is increasing at the rate of roughly one year per decade.

Everything takes longer than you think — although the long run is often shorter than we expect given the accelerating rate at which technologies are changing our lives.

That being said, there's a pretty good chance that last summer's low in long term interest rates may be the lowest you will ever have seen in your whole life.

The four critical factors are: (a) businesses with recurring revenue bases — like a renewable subscription — are far better than ones dependent on constantly securing new customers; renewals are much easier and less expensive to secure than new sales; (b) customer retention is absolutely critical — all customers are very costly to acquire and very easy to lose in a world of almost infinite choices; (c) businesses based on products that require constant replacement or renewal (the «razor blade» model) are much more attractive than durable goods businesses (like selling refrigerators) where the products have very long repurchase or replacement life cycles and where the market could even fairly quickly reach saturation points; and (d) businesses that offer products or services that had a predictably high rate of obsolescence were much more attractive than those where the products had long, useful lives.

Another main line of Genworth's business, long - term care insurance, is a risky but growing market, and Genworth pleased investors in 2013 by raising rates and cutting back on some benefits as customers live longer and become more costly to insure.

There has been a public debate about whether Canadians will have sufficient income in retirement given that generally people live longer, that there are more people of retirement age and that savings rates are low debt levels high.

«Today because of the low interest rates and the fact that people are living longer, they are much more likely to benefit [from delaying],» Pfau said.

Researchers (PDF) have consistently found that older people who volunteer experience improved health, increased physical functioning, better cognitive ability, lower rates of depression and longer lives.

Biotech companies require huge investments into research and development, have extremely long life cycles, and a low success rate.

But that relationship has been tested over the life of this bond bull market that saw double digit interest rates fall over the past 30 + years, boosting the performance of long - term bonds.

Include how much retirement income you'd want per withdrawal, the rate of return you think your money will grow at when you start collecting retirement, how long you expect to live off your retirement fund and how many times you'd like to make a withdrawal per year.

-- > The value of investing in relationships for the long - haul — > Investing in your health and longevity as a way to increase your lifetime earnings — > Why longer life expectancies should change the way you think about investing — > The shockingly low rate of personal savings and investment in the US — > My favorite part of the interview: whether we can reasonably expect the US markets to keep going up at their long - term average 7 % per year after inflation, or whether that was a unique period of US expansion which won't be repeated again.

Interest rates are close to zero, the stock market isn't a slam dunk, and we are living much longer now.

Even though the cost of living is slightly higher in Massachusetts, the state has a higher median income and a higher average savings APY of 1.16 %, so savings will grow at a higher rate in Massachusetts, making the $ 1 million last longer.

Often, countries that do this put resource earnings into a long - lived fund, usually offshore, so that foreign currency earnings never enter the country and hence have minimal impact on the exchange rate or domestic demand.

Recently, video has gained a lot of buzz, especially considering the Facebook algorithm now prioritizes both live video and longer videos with high completion rates in users» News Feeds.

As someone who trades interest rates for a living (interest rate swaps / swaptions / Treasuries / MBS) I fully agree with Sam's assessment of «low for longer» rates.

Exchange rates no longer reflect relative wage levels, «purchasing power parity» or living costs as in times past.

But combining longer life expectancy with low interest rates means that a person starting to save today would have to set aside much more to generate the same retirement income as a person who began saving 25 years ago, if both wished to retire at the same age.

Low fertility, the one - child policy and the cost of raising children in a system without adequate maternity facilities have all caused the birth rate to fall just as more old people are living longer.

If you think you'll be in the home for decades, though, it can be better to lock in a low rate for the entire long life of the loan — especially because interest rates seem likely to rise.

High inflation, and associated high interest rates bias investment decisions against long - lived projects because of the high discount rates applied to future returns.

No single investment must last for the entire span of the investor's life, because the investor ideally has a diversified portfolio of several dividend - paying companies, but the better the investments perform over the long - term, the lower the turn - over rate of the portfolio needs to be.

Let those who criticize the ratings agencies bring forth a new paradigm that the market can embrace, and live with in the long term.

He said that the new Blackberry smartphone will be ultra secure, IP67 - rated for water and dust proofing and offer a long 26 - hour battery life on moderate to heavy usage.

Late Show host Stephen Colbert will host his CBS late - night program live from the Republican and Democrat National Conventions in July in what could be an attempt to extricate the program from its long - running ratings slump.

While getting approved for a lower interest rate could save you money on interest, you'll still pay more in interest over the life of your loans if you opt for a longer repayment period and lower payments.

Before you settle on an annuity, check the life insurance company's financial rating to ensure that they'll be around for the long - haul.

In general, people are living longer, health care inflation continues to outpace the rate of general inflation, and the average retirement age is 62 for most Americans — that's 3 years before you are eligible to enroll in Medicare.

To complicate the situation, your nest egg is threatened by low interest rates, a steady bull run in the stock market, longer life expectancy, and the looming threat of inflation.

As I write in a recent paper, «Brave New World: Investing for Longer Retirements,» this rule is likely to prove less effective in today's environment of longer lives, fewer traditional pensions and low interest rates, where many people haven't saved enough to finance a multi-decade retirLonger Retirements,» this rule is likely to prove less effective in today's environment of longer lives, fewer traditional pensions and low interest rates, where many people haven't saved enough to finance a multi-decade retirlonger lives, fewer traditional pensions and low interest rates, where many people haven't saved enough to finance a multi-decade retirement.

Despite the lower mortality rates and longer life spans of the postmodern condition, the reality of death still looms large.

Religious people are shown in countless studies to be happier, live longer, have lower rates of drug abuse and violent / criminal behavior.

While in the meantime, in nations where contraception is readily available, you see manageable population rates, rising incomes, longer lives and much higher quality of life.

Kerala's adult literacy rate is about twice that of the national average and its people live eleven years longer than the Indian average.

According to Baleka, the average life expectancy for a long - haul truck driver in the U.S. is 61 to 64 years (10 to 15 years less than the average American male); truck drivers have the highest rate of obesity of any occupation in the U.S. (86 % are overweight, 69 % are obese); they have one of the highest rates of metabolic syndrome, a group of risk factors for heart disease and diabetes; in some years they have had the highest number of fatalities of any occupation, making trucking one of the most dangerous and unhealthy occupations in the U.S.

People rate Cazorla above Ramsey in the CM position only because its been quite a long time since Ramsey played there and in football world memory is very shot lived.

While he's got a long way to go to live up to that tag, it's evident that Barca rate him highly as the report claims he will be offered a new four - year extension with a buyout clause of around # 43m inserted into the deal.

Hourly rates for a babysitter varies depending on where you live, how long the service is required, whether there is one or multiple children to care for, your age, and also the time of year (special occasions typically command higher rates).

We have soaring rates of birth trauma for both mother and baby, which significantly impacts their lives in the short and long term.

Cancer rates are rising because we're living longer.

When infants and young children are not breastfed or when breastfeeding is suboptimal, children risk not only increased rates of infectious diseases such as gastric and respiratory infections, but increasingly research is documenting the impact of not breastfeeding on the prevalence of life long chronic diseases such as cancers, diabetes, obesity and cardio vascular disease.

While it is true that one explanation for increased cancer rates over the past 100 years is the mere fact that we are living longer, it is also abundantly clear that as diets have become hypercaloric and largely composed of highly processed and refined foods, our cancer risk has significantly increased.

Another strength is that our results provide a more complete assessment of socioeconomic inequalities in breastfeeding rates, by estimating both relative and absolute inequalities, than common practice in inequality assessments.23 Finally, our study analysed effects of the intervention not only on an immediate, direct outcome (breastfeeding) but also on a long - term consequence of breastfeeding (child cognitive ability) that is associated with important health and behavioural outcomes in later life.27

This period of their life is the first time their growth rate slows and they stay in this size clothing for a much longer period of time.

These effects are 1) pervasive, being reflected in a range of measures including standardized tests, teacher ratings, and academic outcomes in high school; and 2) relatively long - lived, extending throughout childhood into young adulthood.»

It is appalling to me that we are still in a situation where men feel that they can't take parental leave because it's frowned upon and not manly, and they are working longer and longer and longer hours and forced out of family life, at the same rate that women are being forced out of working life.»

Besides low birth rates, higher life expectancy, longer education time and an increasing share of single - parent households, Germany is also the poster child of labour market dualisation: pampered workers in the industrial and unionised core contrast with part - time and irregular work in the peripheral service industry.

Instead he will attack Osborne on the (perfectly valid) grounds of long - term and youth unemployment, as well as the decline in living standards caused by wages that grow slower than the rate of inflation.

«The ratings give voters a scorecard on how their individual legislator voted and how many times they force local governments — reeling from unfunded mandates — to raise taxes or nanny state proposals that interfere in how we choose to live our lives... As long as voters continue to hold Legislators responsible, we believe New York will become a business friendly place that people no longer have to flee in order to save on taxes.»